How could a SCW product finance itself, creating a pefectly efficient organization with development expenses that scale linearly while usage grows exponentially?

The software may not, by design, know anything about its users.

Bonus Challenge: Swaps

Users who do not trust each other and who are physically located in two different countries want to swap cryptocurrencies. They both control Zcash and Bitcoin, and both are using the same SCW software. How could they swap ZEC and XBT without any
counterparty risk?

Survey: building institutional knowledge to help guide how smartphone cryptocurrency wallets are developed in the future.
Survey Link

Session B summary

Very difficult problems exist at the UX/business level

SCWs, like the underlying protocols, are a convergence of commerce/law/software

Define industry guidelines/recommendations: convince people to use quality SCWs!